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Overview / Commentary
1540 Tittabawassee Rd
Saginaw, MI 48604-9445

Lake Huron Credit Union is headquartered in Saginaw and is the 144th largest credit union in the state of Michigan. It is also the 2,338th largest credit union in the nation. It was established in 1959 and as of June of 2017, it had grown to 20 employees and 6,494 members at 2 locations. Lake Huron Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Bay, Saginaw or Midland Counties. Membership is also open to members of Teamsters local 486, employees of trucking companies, automobile dealerships, repair garages, and parts distributors, those who have a State of Michigan drivers license type C (Chauffeur) with CDL type A, B or C and live in the counties listed, anyone age 55 or over who received retirement payments and live in the listed counties or are part of a retirement organization in the listed counties.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Lake Huron Credit Union has a relatively low asset base.

Health Grade Components

NCUA #61638
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD5.65%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$50.6MM$46.4MM
LoansQ2 2017vs Q2 2016$36.1MM$36.9MM
DepositsQ2 2017vs Q2 2016$45.1MM$41.0MM
Equity CapitalQ2 2017vs Q2 2016$5.0MM$4.6MM
Loan Loss AllowanceQ2 2017vs Q2 2016$481.00K$463.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$472.00K$509.00K
Real Estate OwnedQ2 2017vs Q2 2016$102.00K$18.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Lake Huron Credit Union Savings Account Rates

0.20%--IRA Shared Savings
0.10%--Kids Club
0.05%*$5k*-Prime Share Savings
OTHER TIERS: 0.02% $1k - $5k
0.05%*$5k*-Vacation Club
OTHER TIERS: 0.02% $1k - $5k
0.05%*$5k*-Christmas Club
OTHER TIERS: 0.02% $1k - $5k
0.05%*$5k*-Share Pledge Account
OTHER TIERS: 0.02% $1k - $5k

Lake Huron Credit Union Money Market Rates

0.25%*$75k*-Money Market Account
OTHER TIERS: 0.10% $2,500 - $20k | 0.15% $20k - $50k | 0.20% $50k - $75k

Lake Huron Credit Union CD Rates

4.16%--12 Month Bonus Youth CD
4.06%--12 Month Youth CD
2.12%--60 Month Bonus CD
2.02%--60 Month CD
1.87%--15 Month Bonus CD Special
1.77%--48 Month Bonus CD
1.77%--15 Month CD Special
1.66%--48 Month CD
1.36%--36 Month Bonus CD
1.26%--36 Month CD
1.01%--24 Month Bonus CD
0.90%--24 Month CD
0.65%--18 Month Bonus CD
0.60%--12 Month Bonus CD
0.55%--18 Month CD
0.50%--12 Month CD
0.30%--6 Month Bonus CD
0.20%--6 Month CD

Lake Huron Credit Union Locations
Branch Office5685 Shattuck RdSaginaw, MI 48603
Branch Office1540 Tittabawassee RdSaginaw, MI 48604-9445